Word: said
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Dates: during 2000-2009
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...focus of the class has really been on historical archaeology, because it tries to combine both written record and material culture," Balmori said. "What you have often are contradictions. Where the rules say you will be punished if you smoke or drink, you find pipes and glass bottles...
...those bills would have ended the requirement in 2013, the year much of health reform only begins to take effect, while Reid's new provision would maintain the regulation in perpetuity. Former Democratic National Committee Chairman Howard Dean, who had advocated killing the public option-less Senate bill, said Monday on MSNBC that of the last-minute changes to the Senate bill made by Reid, the strengthening of the MLR regulations was "the most important thing of all ... It requires insurance companies not to take quite as much off the top of your premiums as they have in the past...
...Insurance companies can do whatever they want with premiums unfortunately, so the medical loss ratio is a superb instrument," Rockefeller said in an interview with TIME, adding that customers have a right to know how much of their premiums are spent on administrative costs like marketing, salaries and profit. "If you buy a gallon of milk and you end up with half a gallon, you're not really happy about that. But in that case, you can take it back to the store and get mad." (See the top 10 health care reform players...
Rockefeller had been pushing for a 90% threshold, but the Congressional Budget Office said such a requirement would severely limit companies' flexibility and "make such insurance an essentially governmental program." Many states currently have MLR requirements, but most are below the federal level that would be established under Democratic health reform. The existing minimum baseline, established in non-binding guidelines from the National Association of Insurance Commissioners, says that MLRs must be at least in the 50-60% range, depending on what other regulations are in place...
...small group market and 84% in the large group market; some insurers cited in the final report spent as little as 66% of premiums on actual care. CIGNA, one of the insurance companies cited, says investigators erred in calculating the company's medical loss ratios. Where the report said CIGNA spent 87% of premiums in the individual market on care, the company says it actually lost money in that category of customers, spending 120% of premiums collected on health care expenses. America's Health Insurance Plans, the lobbying group that speaks for private insurers, says the industry MLR average...